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10.06.2021RCB Bank: Positive Results despite the Pandemic
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19.05.2021Public holiday in Luxembourg
Cash Transaction
| Currency | Buy | Sell |
|---|---|---|
| EUR RUB | 84.9143 | 89.6207 |
| EUR CHF | 1.0524 | 1.0994 |
| EUR USD | 1.1566 | 1.1966 |
| EUR GBP | 0.8408 | 0.8655 |
Non-cash Transaction
| Currency | Buy | Sell |
|---|---|---|
| EUR RUB | 86.5900 | 87.7726 |
| EUR CHF | 1.0752 | 1.0870 |
| EUR USD | 1.1776 | 1.1876 |
| EUR GBP | 0.8484 | 0.8545 |
28.07.2021
Commissions and Charges for individual clients
Accounts
| Account opening | Free |
| Relationship maintenance fee (monthly) | 15 EUR |
| Account closure | Free |
| Periodical statements
(as per General Terms and Conditions for account opening) | Free |
Payments/Transfers
| Inward SWIFT/SEPA transfers | Free |
| Outward SWIFT transfers
Charge option SHARED | 0,15% (min. 25 EUR, max. 300 EUR) |
| Additional fee for outward SWIFT transfers with charge option OUR | 10 EUR (up to 10.000 EUR)
35 EUR (from 10.000 to 50.000 EUR) 60 EUR (over 50.000 EUR) |
| Outward SWIFT transfers in favour of beneficiaries with accounts in VTB24 through RCB Online Banking | 10 EUR |
| Outward SEPA transfers
(up to 50.000 EUR)1 Value date - T+1 (provided that payment is received by the Bank before official cut-off time). Charge option - only SHARED | Free |
| Internal transfers through RCB Online Banking | Free |
| Manual processing of internal transfers (to other clients of the Bank) received on paper/fax | Free |
| Creation or amendment of a standing order2 | Free |
Communication charges
| Additional statements or SWIFTs
(by fax or e-mail) | 4 EUR |
| Processing of payment orders received in original or by fax | 10 EUR |
| Investigations (inward and outward)
up to 30 days old | 50 EUR (incl. SWIFT 12,5 EUR) |
| Investigations (inward and outward) over 30 days old | 120 EUR (incl. SWIFT 12,5 EUR) |
| Courier abroad | 60 EUR |
| Postages in Luxembourg | 10 EUR |
Cards fees and parameters
|
| Credit VISA card | Debit VISA card |
|---|---|---|
| Main card annual fee | Free | Free |
| Supplementary card annual fee | 20 EUR first and each consecutive card | 20 EUR first and each consecutive card |
| Card re-issue/replacement | Free | Free |
| Card and PIN mailing to client’s address | As per charges for courier | As per charges for courier |
| Annual interest rate | 12% | Not applicable |
| Annual interest rate on credit card during the grace period (up to 50 days) | 0% | Not applicable |
| Monthly interest on credit not repaid on time | 2% | Not applicable |
| Commission for exceeding the established card’s credit limit | 2% on excess amount | Not applicable |
| Commission for cash withdrawals from ATMs of the Bank | Free | Free |
| Commission for withdrawals from the ATMs and cash points of other banks | 3% (min. 3 EUR) | 3% (min. 3 EUR) |
| Foreign exchange commission (for non-Euro transactions) | 2,5% on transaction amount | 2,5% on transaction amount |
| SMS-Notice | Free | Free |
| Daily transaction limit (set by default and may be changed upon client's request) | 10.000 EUR | 10.000 EUR |
| Daily limit for card not present transactions (internet purchases and other card not present transactions) - set by default and may be changed upon client's request | 10.000 EUR | 10.000 EUR |
| Monthly limit for card not present transactions (internet purchases and other card not present transactions) for cards with no SMS-Notice service activation - set by default and may be decreased upon client’s request | 200 EUR | 200 EUR |
| Daily cash withdrawal limit
(set by default and may be changed upon client's request) | 1.000 EUR | 1.000 EUR |
| Daily cash withdrawal limit from the ATMs of the Bank | 1.000 EUR | 1.000 EUR |
Other services
| Certificate of balances and/or interest | 5 EUR per each account |
| Bank Reference Letter | Free |
| Hold mail | Free |
| RCB Online Banking | Free |
| First issued OTP token | Free |
| Additional/replacement of OTP token | 10 EUR second and each consecutive |
| Display card token fee3 | 50 EUR |
| Test key codes | Free |
Brokerage services
| Bonds | ||||
| Less than 10m USD4 | 0,125%
(min. 150 USD)4 | |||
| More than 10m USD4 | 0,0625% | |||
| Equities | ||||
| Less than 100.000 USD4 | 0,25%
(min. 200 USD)4 | |||
| 100.000 — 999.999 USD4 | 0,20% | |||
| 1m — 10m USD4 | 0,15% | |||
| More than 10m USD4 | Determined individually | |||
| REPO for bonds and equities | ||||
| For period less than 45 days | 0,25% p.a. | |||
| For periods 45-180 days | 0,50% p.a. | |||
Custodian services
| Maintenance of custody account (portfolio) | ||||
| Safe-keeping charge
(charged quarterly)5 | 0,15% p.a. (min. 100 EUR per year) | |||
| Monthly maintenance of segregated account for a client with sub-custodian (Euroclear, Clearstream, VTB), per sub-custodian account | Monthly maintenance is paid based on individual invoices | |||
| Custodian transfers | ||||
| Transfer of securities DVP or FOP to/from external custody | 50 EUR | |||
| Change or cancellation order in external custody | 15 EUR | |||
| Corporate actions (CA), taxation | ||||
| Forwarding notifications of CA obtained from sub-custodians/issuers to a client | Free | |||
| Client initiated requests for information on CA to a sub-custodian | 50 EUR per request | |||
| CA initiated by the issuer e.g. additional issue/exchange of securities, repurchase after liquidation, liquidation etc. | Free | |||
| CA/disclosures to the issuer, at the client’s discretion for request: capital increase, IPO, exchange offer, conversion, exercise of warrants, optional dividend, reinvestment funds and other | 50 EUR per instruction | |||
| CA at the client's discretion for voting instructions | 50 EUR per voting instruction | |||
| Certification of client’s holdings for relevant markets through
sub-custodian | 50 EUR per certification | |||
| Assistance in obtaining tax relief under a Double Taxation Treaty directly from an issuer | Charged individually per client’s request on a case by case basis, min. 50 EUR, max. 250 EUR | |||
| Other custodian services6 | ||||
| Manual processing of custodian instructions received on paper/fax | 20 EUR | |||
| Transfer of income to a client’s account to third banks | Charged as per tariff for Payments/Transfers | |||
| Obtaining statement from external custodian upon request | 50 EUR per statement | |||
| Additional portfolio statement (any statement requested by client in addition to monthly portfolio statement) | 5 EUR per additional statement | |||
Where a fee or charge is levied in a currency other than the currency of the account, the above commissions and charges are converted into the relevant currency equivalent at the Bank’s exchange rate.
1SEPA area: EU countries, Norway, Lichtenstein, Iceland, Switzerland and Monaco.
2All transfers executed as per a standing order will be charged according to Commissions and Charges of RCB Bank Ltd, Luxembourg Branch.
3Free for clients with a fixed term deposit for the amount over 1m USD or equivalent in applicable currency.
4Or equivalent in applicable currency.
5Charge is accrued on market value of client’s holding. In case market value is not available, the nominal is used for bonds, for shares a default price of 2 EUR per share is applied. Standard safekeeping tariff is applicable for international securities, US, GB, IE, RU. Safekeeping of securities in other local markets may involve additional costs.
6The third parties charges (Global Depositary Receipt (GDR) agency fees, notary, postage etc.) are to be reimbursed by the client at cost.